Call reports 2002
BANK OF WAYNESBORO — 2002
What BANK OF WAYNESBORO reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 73,305,000 | 73,575,000 | 72,843,000 | 72,434,000 |
| Total loans | 41,916,000 | 43,059,000 | 44,065,000 | 46,419,000 |
| Allowance for loan losses | 1,605,000 | 1,650,000 | 1,672,000 | 1,652,000 |
| Securities available for sale | 23,162,000 | 19,336,000 | 14,860,000 | 10,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,219,000 | 64,284,000 | 63,371,000 | 62,873,000 |
| Interest-bearing deposits | 58,354,000 | 58,605,000 | 57,277,000 | 56,759,000 |
| Noninterest-bearing deposits | 5,865,000 | 5,679,000 | 6,094,000 | 6,114,000 |
| Equity capital | 8,394,000 | 8,749,000 | 8,908,000 | 8,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,209,000 | 2,366,000 | 3,501,000 | 4,626,000 |
| Interest expense | 415,000 | 783,000 | 1,133,000 | 1,465,000 |
| Net interest income | 794,000 | 1,583,000 | 2,368,000 | 3,161,000 |
| Noninterest income | 75,000 | 162,000 | 271,000 | 376,000 |
| Noninterest expense | 443,000 | 900,000 | 1,410,000 | 1,879,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 430,000 | 849,000 | 1,237,000 | 1,668,000 |
| Income tax | 155,000 | 308,000 | 450,000 | 609,000 |
| Net income | 275,000 | 541,000 | 787,000 | 1,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,489,000 | 8,665,000 | 8,822,000 | 8,944,000 |
| Total capital | 9,037,000 | 9,224,000 | 9,392,000 | 9,558,000 |
| Risk-weighted assets | 42,808,000 | 43,612,000 | 44,487,000 | 48,044,000 |